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  1. Hi honeybee and thanks for your response. I should of been clearer sorry. The issue is the estate agents have lied, covered things up and generally been aweful and my father therefore wants to use another estate agent to sell the property. It was his brother that signed paperwork with this estate agent, not my father. Would my father therefore be ok to go with another agent without them trying to claim? Surely they would have needed him to sign the contract in the first place being he is the executor and has probate for the estate and not his brother, who isn't named as a beneficiary for other reasons. Hopefully that makes sense, thanks again
  2. Hi guys and girls, was hoping to get some friendly advice for an issue my father is facing at the moment involving estate agents and the selling of his others property. He has been lied to, ignored and generally treated badly by the estate agents to the point he wants to leave them and sign up with another. Basically his mum passed away leaving her house to be sold as part of the estate. With his brother they went to see this estate agent to get the property put onto the market. It was here that some paperwork was done (signing up), which my father didn't see nor sign, but his brother did. There is a suggestion (trying to get the contract) that the contract for sole agency could be for 6 months!! My question is, his brother isn't named in her will, nor is a beneficiary in it so can he be accepted as signing documents to sell the property? Probate has been granted to my father (as the sole executer) so am I right in saying only he can sell the property and thus only his signature counts for the purposes of selling through an estate agent? I'm not sure to be honest and hence could do with some advice thanks Cheers
  3. Just an update. Had an offer in relation to the single premium, this is without them even reading our letter and completed questionnaire, as they state in their investigation they had no information from us. Looks like they've sent this offer just as they received our complaint questionnaire and letter. Time to give them a ring Thanks again for your advice
  4. Hi dx and thank you once again for your feedback and help. Going through the figures and credit agreements we have, looking at one of the loans, where I have consolidated (approx 3rd time consolidating), the existing debt was about £6500, the additional lending was £2000 and the ppi paid via single premium was £1800 not including interest, so the ppi paid is the same as the actual extra lending.....its criminal! I have consolidated about 5 times and each time paid upfront, no loan has run its length, just a new loan, new ppi. I understand the obusman classes this as successive loans, a chain. Was wondering how people worded the complaint about the single premium in their letter/ questionnaire????? Have you any suggestions for wording this? Rather than try to squeeze the policy details in the final part of the questionnaire I have listed all loans, amounts, ppi amounts in the complaint letter, where I have outlined mis sell reasons:- - Told I needed it to get loan (have a letter from them of loan rejection then acceptance of a loan following better account management) plus a letter confirming ppi on loan - had an IPI in place (paying it 2yrs before 1st loan, still pay it to this date, it covers accident illness disability through to term, 2030, this policy sold by Lloyd's rep, paid from Lloyd's account so advisor should of seen this and that ppi wasn't needed - single premium ppi, paid for 5 loans as part of a chain, on each consolidated loan, new ppi amount paid in full single premium Thank you again and your advice would be greatly received and appreciated THANKS
  5. Hi dx, Got the template letter for the sar, which I will send off by Monday. Have also typed up a letter to the bank, explaining why I feel have been mis sold, was going to see what u think of the letter. Also have the completed questionnaire. Have all the loan policy numbers, loan amounts including the ppi, policy first and last payments, along with a couple of the original loan agreement Was thinking of sending the letter and questionnaire at same time as sar request (Seperate posted), so as to get the complaint logged and start being looked at seeing as they have 8weeks to look at it and respond.
  6. Hi Does anybody have a copy of the policy books for 1999, 2002, 2004 and 2005 Thanks
  7. Hi dx and thank you for responding. A couple of questions if you don't mind. I will send Lloyd's a SAR today, which I understand they have 40 days to respond to, what is it exactly that I would be hoping to get from them. (Sorry if this sounds stupid) You mention about getting things right, which of course is what I'm aiming to do, could you elaborate a bit further on this please if you don't mind thanks. I'm just concerned that I won't explain things right when filling out the paperwork and get rejected (not always the best at explaining things), or say the wrong things. They ask for the main reason why u feel you have been missold, how would you word this based on what you've seen on my post. A couple of people I have spoken to briefly were like just go to one of these ppi companies, however looking at this their charges seem crazy and to me it seems lazy if you can do it yourself, and I feel I could certainly have a go myself should I get the right pointers (one thing i suppose the companies would do is word it in the right way, which is a concern of mine) I've had a read of your link, a lot of good information thanks Your help is so appreciated so thank you.
  8. Hi, Hopefully someone here can help or give me some advice regarding ppi and this single premium ppi. since 1999 my partner has had several loans with lloydstsb including credit cards. The first loan she took out in 1999 (struggling to find details except for policy number), the next in 2001, 2003, 2004, 2005. Each of the these policies had ppi on them, paid for as 'premium advanced as part of loan', I believe also known as single premium ppi. Each loan from 2001 was a consolidation of debts (2001-£2500, 2003-£5500, 2004-£8000, 2005-£16000), and thus none of these loans ever reached its full term, though if I understand correctly, with premium advance as part of loan, she would have paid for the whole ppi cost upfront on the loan, which was then added on each loan thereafter as well as the interest they charge. I'm told that these single premiums are part of mis selling?! The final loan in 2005 was paid off early in whole, would this therefore have included all the ppi too? If so surely this should be refunded also. Digging through old paperwork we have found three of the personal loan agreements Which we have been trying to get our heads around. Two of the agreements show cash loan to you, optional loan protection insurance loan, loan for repayment of existing debts owed by you and total loan ( e.g. 2004 consolidation loan, cash loan to you £2000, optional loan protection insurance loan £1800, loan for repaying of existing debts owed by you £6500, total loan £10000. Under those headings the monthly premium £42, £37, £135, total £215. The loan protection monthly payment is almost as much as the cash loan of 2k) Only one of them actually states the interest on the loan protection loan giving the total price of the loan protection, the others dont. (Seperate to the fact that she was advised to have ppi from what she can remember when she took out the policies in the branch, it was recommended even though she had an income protection plan already running from 1997 which was also purchased through lloydstsb which she is still paying to date?!, why would someone take out ppi when u already have some cover in place should illness or accident become an issue) Sorry this maybe slightly long (and hopefully am in the right area in the forum), but just wanted to try and explain as well as I could. Am I right that this is indeed miselling? When speaking to Lloyd's over the phone they requested a questionnaire be completed and returned to them. We have a lot of the details but not all of them. What concerns me is wording the complaint in the right way, I'm told its crucial, can anyone offer any advice or who would be best to speak ref this. Any help or already worded paragraphs would be greatly appreciated Many thanks
  9. I have also found problems witha vehicle purchased from car giant, which is still in the process of trying to resolve, have you sent details of your case/others to trading standards/watchdog etc as of yet?
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